Can I negotiate a lower interest rate as part of a debt settlement?

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Do I need to hire a lawyer to negotiate a debt settlement?
What is a deemed satisfaction and how does that apply to debt settlement?
What is the best way to document a debt settlement?
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What should I do if a creditor refuses to negotiate a debt settlement?
How can I monitor my progress during a debt settlement process?
What is debt settlement law?
Is debt settlement a good way to reduce debt?
Is there any way to expedite the debt settlement process?

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